OpenChainGraph Suite · ART-366 · Embedded Insurance

Embedded Insurance Pricing Modeller

Per-transaction premium and platform-level unit economics for an embedded-insurance program: gross and net written premium, expected losses, underwriting profit, combined ratio, and the breakeven loss ratio at the current expense structure. Provable version of tools/446-embedded-insurance-pricing-modeller.html.

Embedded Insurance Combined Ratio Breakeven LR

🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.

⚠ Losses apply against net written premium (post-reinsurance) while commission and opex apply against gross written premium — a simplification of the source model, ported as-is rather than corrected. Not an actuarial pricing tool; validate against your own reserving before relying on this.

Item value ($)

Premium rate (%)

Attach rate (%)

Monthly transactions

Loss ratio (%)

Platform commission (%)

Operating expense (%)

Reinsurance cession (%)

Unit Economics Detail

Execution Hash (SHA-256)